{"url":"https://nivawealth.com/firms/cantlon-financial-planning-106622","iapdUrl":"https://adviserinfo.sec.gov/firm/summary/106622","regulatoryAum":125138019,"crd":"106622","adviserRoster":{"asOf":"2026-10-09","items":[{"crd":"1337858","suffix":null,"lastName":"CANTLON","firstName":"MICHAEL","middleName":"FRANCIS"},{"crd":"5961800","suffix":null,"lastName":"GEPHART","firstName":"ROBERT","middleName":"THOMAS"},{"crd":"4365000","suffix":null,"lastName":"GUYETT","firstName":"THOMAS","middleName":"EDWARD"}],"total":3,"loadedAt":"2026-10-10T00:20:19.761928+00:00","sourceUrl":"https://reports.adviserinfo.sec.gov/reports/CompilationReports/IA_INDVL_Feed_10_09_2026.xml.zip"},"history":[{"filedOn":"2025-02-19","regulatoryAum":113069312,"clients":98,"employees":3,"offices":2},{"filedOn":"2026-01-27","regulatoryAum":125138019,"clients":99,"employees":3,"offices":2}],"secFileNumber":"801-132223","legalName":"Cantlon Financial Planning LLC","displayName":"Cantlon Financial Planning","slug":"cantlon-financial-planning-106622","website":"https://cantlonfinancial.com/","logo":{"src":"https://rmkhnxnbeclogprvkfyl.supabase.co/storage/v1/object/public/firm-logos/106622/78cdc410c554373c-r1.webp","tone":"light","width":731,"height":200,"sourceUrl":"https://www.cantlonfinancial.com/","sourceLabel":"Cantlon Financial Planning LLC, website"},"classification":{"segment":"individuals","segmentLabel":"Wealth management","type":"independent_wealth_manager","typeLabel":"RIA","feeDisclosure":"full"},"founded":null,"organization":"Illinois limited liability company","fiscalYearEnd":"December","headquarters":{"street":"","city":"","state":"","stateName":"","country":"","postalCode":null},"tradeNames":[],"registration":{"secApproved":"24 March 2025","noticeFilings":null,"latestNoticeFiling":null},"wealthAumPerClient":1264020.393939394,"staff":{"employees":3,"advisory":3,"brokerDealerReps":0,"insuranceAgents":1,"promoters":0},"aum":{"regulatory":125138019,"discretionary":125138019,"discretionaryAccounts":267,"nonDiscretionary":0,"nonDiscretionaryAccounts":0,"wrapProgram":null,"nonUsClientsPct":0,"nonAumClients":0},"clientTypes":[{"label":"Individuals (other than HNW)","clients":99,"regulatoryAum":125138019}],"feePrograms":[],"brochureCoverage":{"scope":"sec_inventory","status":"reviewed_no_numerical_schedule","checkedAt":"2026-10-22T11:52:11.607343+00:00","documents":[{"name":"2018 BROCHURE PARTS 2A & 2B CFP LLC","status":"read","sourceUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004202","versionId":1004202,"submittedOn":"2026-01-27"}]},"custodians":[{"name":"Fidelity Brokerage Services LLC","shortName":"Fidelity","location":"Smithfield, RI","smaAssets":125138019}],"custodyNote":"Cantlon Financial Planning does not have custody of client assets.","otherCustodians":[],"leadership":[{"name":"Robert Gephart","title":"Owner -Chief Compliance Officer","crd":"5961800"},{"name":"Michael Cantlon","title":"Owner","crd":"1337858"},{"name":"Thomas Guyett","title":"Owner","crd":"4365000"}],"ownership":[{"label":"Michael Cantlon","detail":"Owner in the 10% to 25% ownership band and a control person, since December 1983."},{"label":"Thomas Guyett","detail":"Owner in the 25% to 50% ownership band and a control person, since May 2005."},{"label":"Robert Gephart","detail":"Owner -chief compliance officer in the 25% to 50% ownership band and a control person, since January 2015."}],"branchOffices":null,"filedOffices":{"otherThanPrincipal":1,"privateResidences":1},"listedOfficeAddresses":1,"foreignOffices":[],"officesByState":[],"advFacts":{"source":{"file":"ia100226.zip","asOf":"2 October 2026"},"telephone":"630-584-4508","stateRegisteredReps":3,"otherAdviserReps":0,"compensation":["A percentage of assets under management"],"activities":["Financial planning services","Portfolio management for individuals and/or small businesses"],"financialPlanningClients":"51-100","assetMix":[{"label":"Exchange-traded equity securities","percent":73},{"label":"U.S. government/agency bonds","percent":2},{"label":"Investment grade corporate bonds","percent":2},{"label":"Derivatives","percent":6},{"label":"Cash and cash equivalents","percent":17}],"privateFunds":0},"sources":{"adv1FilingDate":"27 January 2026","adv1Url":"https://reports.adviserinfo.sec.gov/reports/ADV/106622/PDF/106622.pdf","brochureDate":"27 January 2026","brochureUrl":"https://files.adviserinfo.sec.gov/IAPD/Content/Common/crd_iapd_Brochure.aspx?BRCHR_VRSN_ID=1004202","iapdCompiledDate":null,"retrievedDate":"15 October 2026","retrievedOn":"2026-10-15","updatedOn":"2026-10-22","holdingsUpdatedOn":"2026-10-21","adv1Pages":{},"brochurePages":{}},"otherBusiness":[],"faq":[{"question":"How many clients does Cantlon Financial Planning have?","answer":"Cantlon Financial Planning has 99 clients and manages $125 million for them, as of January 2026. They include 99 individuals.","source":"Form ADV Part 1A, Items 5.D and 5.F, filed 27 January 2026","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What services does Cantlon Financial Planning offer?","answer":"Cantlon Financial Planning provides financial planning and portfolio management for individuals and small businesses.","source":"Form ADV Part 1A, Item 5.G, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Which custodians does Cantlon Financial Planning use?","answer":"Cantlon Financial Planning’s separately managed account assets are held at Fidelity Brokerage Services LLC (Smithfield, RI), with $125M. Only custodians holding at least a tenth of those assets are named.","source":"Form ADV Part 1A, Schedule D, Section 5.K.(3), filed 27 January 2026","sourceRef":{"doc":"adv1","section":"custodians"}},{"question":"How many financial advisors does Cantlon Financial Planning have?","answer":"Cantlon Financial Planning has 3 investment adviser representatives registered with state securities authorities, out of 3 employees, and 3 perform investment advisory functions. 0 employees are registered representatives of a broker-dealer and 1 employee is a licensed insurance agent.","source":"Form ADV Part 1A, Items 5.A and 5.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"What does Cantlon Financial Planning invest in?","answer":"At the end of its last fiscal year, Cantlon Financial Planning’s separately managed accounts held 73% exchange-traded equities, 17% cash and equivalents, 6% derivatives, 2% U.S. government and agency bonds and 2% investment grade corporate bonds.","source":"Form ADV Part 1A, Items 5.K.(1) and 7.B, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"Who owns Cantlon Financial Planning?","answer":"Cantlon Financial Planning’s direct owners are Michael Cantlon, Thomas Guyett and Robert Gephart, each holding 50% or less.","source":"Form ADV Part 1A, Schedules A and B, filed 27 January 2026","sourceRef":{"doc":"adv1","section":"scheduleA"}},{"question":"How does Cantlon Financial Planning get paid?","answer":"Cantlon Financial Planning is paid through a percentage of assets under management. Its Form ADV lists no commissions or performance-based fees among how it is paid.","source":"Form ADV Part 1A, Item 5.E, from the SEC's 2 October 2026 data file","sourceRef":{"doc":"adv1","section":"employees"}},{"question":"How do I contact Cantlon Financial Planning?","answer":"Its phone number is 630-584-4508. Its website is cantlonfinancial.com.","source":"Form ADV Part 1A, Item 1.F, filed 27 January 2026","sourceRef":{"doc":"adv1","section":"offices"}}],"holdings":null,"notice":"Compiled from public SEC Form ADV filings on the dates in `sources`. Facts as filed; not a rating, ranking, or recommendation. Niva is not affiliated with this firm. Disciplinary history is deliberately not included here or on the page; the SEC publishes the complete record at the `iapdUrl` above."}